Having received a demand from the Bank for repayment under the terms of a personal guarantee I decided to look into having someone represent me who had experience in dealing with Bank guarantees. A quick search on the internet led me to ‘Personal Guarantee’ and I spoke to them and they, straightaway, gave me the confidence that they could achieve a better result than I could on my own. The ensuing months saw a lot of correspondence to just track down the right person in the Bank so that negotiation could begin. Once in contact with the right person they managed to get the demand reduced by a third from £45,000.00 to £30,000.00 for which I am most grateful.